Mike Ratliff - Mortgage Advisor

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Mike Ratliff - Mortgage Advisor Mike Ratliff
NMLS 1711036
NEXA Mortgage
Corporate Address (3100 W Ray Rd STE 201 Office # 209, Chandler AZ 85226.)

Corporate NMLS #: 1660690 NEXA Mortgage LLC is an Equal Housing Lender

10/01/2026

Last year, borrowers got rates anywhere from 6.50% to 7.43% in the same month. The size of the down payment explains less of that than most people think.

Getting to 10% down is the big rate step below 20%. Going from 15% down to 20% is worth less than one basis point. Yes, 20% gets rid of mortgage insurance. That matters for your monthly payment, not for your rate.

So if you’ve saved 12%, one idea is to put down 10% and use the rest to pay off debt. Your credit score could improve, and that’s where pricing really moves.

Is your savings plan actually lowering your rate, or just pushing your move back?

09/30/2026

Agents, if your listing isn’t getting showings or offers, watch this. 👀

Sometimes it’s not the market.

It’s the house. 🏠

09/29/2026

Hey agents, if you’re looking for practical ways to get better at the conversations that actually drive your business, this is for you.

This clip is from my last Agent Masterclass.

Next one 👇
📅 Tuesday, Oct. 13 | 9 AM
🎟️ Free for agents

MortgageLoanMike.com/events

09/28/2026

Why Waiting for Lower Mortgage Rates Might Not Save You as Much as You Think

09/24/2026

First time recording with a new app… and yes, I know the background is backwards. 😂🤦‍♂️

But the message is still important.

This is a quick clip from my Endurance Agent Masterclass this morning on turning lost offers into momentum.

The right language at the right time can completely change the conversation with your buyers.

Want to get in on the next masterclass?

📲 DM me “MASTERCLASS” and I’ll make sure you get the invite.

Agents: join me tomorrow!Buyer fatigue is real. Let’s make sure you know how to turn it into buyer momentum.⏱️ 45 minute...
09/23/2026

Agents: join me tomorrow!

Buyer fatigue is real. Let’s make sure you know how to turn it into buyer momentum.

⏱️ 45 minutes. Free. Virtual.
👉 MortgageLoanMike.com/events

09/17/2026

Wait, didn’t the Fed just raise rates? Why are mortgage rates lower?

Two things decide how an agent’s year goes: whether your buyers stay in the game when the market tests them, and whether...
09/13/2026

Two things decide how an agent’s year goes: whether your buyers stay in the game when the market tests them, and whether you’ve got a lane into investor business when the buyer pool gets thin.

Both of my free classes this month are built around exactly that.

Thursday the 24th, The Endurance Agent covers the language that keeps a buyer steady after a lost offer, plus a 4-phase system for walking them through it so they don’t go quiet on you.

Tuesday the 29th, Financing Your Next Investment Property breaks down how fix and flip, fix and hold, DSCR, and construction deals actually get funded. So the next time a client mentions buying a rental, you already know what’s possible instead of guessing.

45 minutes each, 10:00 AM EST, online, 50 seats. Take one or take both, they stand on their own. The first one sends you out with the exact words to steady a buyer who’s ready to walk. The second one sends you out knowing how investor deals get funded, which opens up a whole client type most agents hand off and never see again. There’s still a full quarter left. This is how you close out 2026 strong.

Register at MortgageLoanMike.com/events

Address

Winston-Salem, NC
27103

Telephone

+17439003011

Website

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